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| Fayetteville | | We offer quotes for auto insurance, | | Independent Agent: An agent |
| Decatur | | life insurance, homeowners | | operating as an independent |
| Portland | | insurance, health insurance, term life | | contractor under the independent |
| Oakland | | insurance and more. | | agency system. |
| York | | | | |
| Las Cruces | | People who are trying to quit | | Lloyd's Broker: A person who has the |
| Lawton | | smoking, for example, might be best | | authority to negotiate insurance |
| Santa Monica | | suited purchasing a shorter term (and | | contracts with the underwriters on the |
| Waco | | then replacing it with a longer term | | floor at Lloyd's. |
| Greenville | | policy when they qualify for | | |
| Edmond | | non-tobacco prices). | | Commercial Lines: This term is used |
| Greensboro | | | | to refer to insurance for businesses, |
| West Chester | | If you have noticed that your auto | | professionals, and commercial |
| Alpharetta | | insurance rates are still increasing | | establishments. |
| Huntington Beach | | with each renewal, or even have not | | |
| Clinton Township | | gone down even though you have a | | Brokerage Department: A department |
| Montgomery | | great driving record, this lower pricing | | of an insurer whose purpose is to |
| Turlock | | trend makes it more important then | | deal with brokers in the placing of |
| Hollywood | | ever that you shop around for auto | | insurance. |
| Bakersfield | | insurance. | | |
| Fort Worth | | | | Underwriters Laboratories, Inc. (UL): A |
| Louisville | | Life insurance, specifically Term Life, | | testing laboratory for manufactured |
| Berkeley | | is arguably one of the best values in | | items to determine their safety |
| Naperville | | the entire financial services arena. | | propensities. |
| St. Joseph | | Where else can you go and get | | |
| Lawton | | hundreds of thousands of dollars in | | Net Retention: The amount of |
| Odessa | | protection for literally pennies per | | insurance that a ceding company |
| Malden | | day? Rates for Term Life insurance | | keeps for its own account and does |
| Santa Barbara | | remain at all-time lows, and now is the | | not reinsure. |
| Orange Park | | time to lock in the best prices. | | |
| Decatur | | | | Admitted (or Allowed) Assets: Assets |
| Atlanta | | The best time to switch policies is | | whose values are permitted by state |
| Colorado Springs | | within one month of receiving your | | law to be included in the annual |
| Cincinnati | | policy renewal from your current | | statement of the insurer. |
| Slidell | | insurer. You can typically cancel your | | |
| Cleveland | | policy without any fees or penalties if | | |
| Peoria | | you act within this time period. | | |
